The Contemporary Islamic Banking System (Jaiz Bank) in Tackling Financial Exclusion in Nigeria

Yıl 2018, Cilt: 4 Sayı: 1, 24 - 40, 31.03.2018

Tijjani Muhammad Sulaiman Alhajı Dauda Dani Mamman

https://doi.org/10.25272/j.2149-8407.2018.4.1.02

Öz

This study investigates perceptions of Muslim and non-Muslim
citizens with respect to Islamic banking in Tanzania. We also attempt to
measure the awareness regarding Islamic banking products and services as well
as the factors which influence citizens of Tanzania in choosing Islamic
banking. We explore if there are any similarities and differences between
Muslim and non-Muslim citizens. By using snow ball sampling technique, a sample
of 660 citizens (50% Muslim and 50% non-Muslim) was surveyed. Chi-square test
was used to test if there is any significant difference between perceptions of
Muslim and non-Muslim toward Islamic banking in Tanzania. Our findings imply
that there a significant difference between perceptions of Muslims and
non-Muslims with respect to Islamic banking in Tanzania. Furthermore, with respect
to level of awareness of Islamic banking our findings reveal that nearly two
thirds of Muslim respondents are aware of Islamic banking whereas only one
third of non-Muslim citizens are aware of Islamic banking. Respondents claim
that they learn about Islamic banking products and services mostly through
friends or Islamic banks. Moreover, Muslim and non-Muslim citizens tend to have
different factors which may encourage or discourage them to use Islamic
banking.

Anahtar Kelimeler

Islamic bank and financial exclusion, Religious reason, Jaiz Bank Customers

Kaynakça

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